South Puget Sound Habitat offers eligible and qualified buyers the opportunity to own a Habitat home.

This is real homeownership. Habitat homeowners own their homes, pay a monthly mortgage, pay property taxes and homeowner’s insurance, repair and maintain their homes, and most importantly, earn equity and build wealth.

Program Eligibility

Your household income and size must meet the annual income guidelines. To be eligible for a Habitat home, your total household income must be below 80% of the area median income (table below). Household income guidelines are set by the United States Department of Housing and Urban Development (HUD) and updated each year.

2023 guidelines

Each applicant and co-applicant must live / work in Thurston County for at least twelve (12) consecutive calendar months at the date of the pre-application.

This is our term for your participation in the program. Once qualified as a partner family each applicant will need to complete 300 hours of Sweat Equity*, including completing the required home buyer education. *Accommodations made for sweat equity hours as necessary.

Your household’s financial health and ability to get a home mortgage for up to 33% of your annual gross income. Many of our applicants have diverse credit histories, and we recognize that your debt situation does not need to be perfect, it needs to show you’re making your best effort to pay your debts.

What’s Next?

Once you’ve completed and submitted the online Program Preview Form  our Habitat homeownership program staff will reach out to you with more information. Please know that at certain times of the year, the number of requests we receive could mean it may take up to 48 hours to hear from us.

Wait – I can’t do an application now?

Not always – the application process is only available based on the timeline for the next available build cycle. What we are building now and when the application process could start are listed below:

What are we building now?

Already own a home and need
critical repairs?

If you are an applicant with a disability and need accommodations to access any of our services, please contact the Homeownership Program at 360-956-3456 x104 or [email protected].